Home Mortgage Disclosure Act Aggregated Statistics

1397 Loans originated: 85 FHA, FSA/RHS & VA Loans for an average of $122,176, 371 Conventional Home Purchase for an average of $105,154, 744 Refinancings for an average of $105,888, 89 Home Improvement for an average of $25,528, 1 Loan on Dwelling For 5+ Families for $222,000, 107 Non-occupant Loans on < 5 Family Dwellings for an average of $93,879

194 Loans approved, not accepted: 6 FHA, FSA/RHS & VA for an average of $108,500, 43 Conventional for an average of $96,721, 106 Refinancings for an average of $102,406, 24 Home Improvement Loans for an average of $32,750, 15 Non-occupant Loans on < 5 Family Dwellings for an average of $93,667

391 Denied loans: 8 FHA, FSA/RHS & VA for an average of $98,125, 40 Conventional Home Purchase for an average of $97,700, 271 Refinancings for an average of $108,760, 53 Home Improvement Loans for an average of $22,132, 19 Non-occupant Loans on < 5 Family Dwellings for an average of $91,211

180 Withdrawn loans: 5 FHA, FSA/RHS & VA Home Purchase Loans for an average of $126,600, 24 Conventional Home Purchase Loans for an average of $89,167, 133 Refinancings for an average of $100,617, 12 Home Improvement for an average of $39,500, 6 Non-occupant Loans on < 5 Family Dwellings for an average of $96,500

54 Applications closed for incompleteness: 1 FHA, FSA/RHS & VA for $70,000, 6 Conventional Home Purchase Loans for an average of $128,167, 41 Refinancings for an average of $113,610, 2 Home Improvement for an average of $77,500, 4 Non-occupant Loans on < 5 Family Dwellings for an average of $117,000

Compared to the state average:

The number of loans originated per 1000 residents (761) is significantly above MI average (463). The average loan value for this tract ($100,728) is comparable to the state average ($123,038).

The number of loans not accepted per 1000 residents (106) is above MI average (77). The average loan value for this tract ($92,041) is comparable to the state average ($105,672).

The number of loans denied per 1000 residents (213) is comparable to MI average (204). The average loan value for this tract ($94,816) is comparable to the state average ($95,893).

The number of loans withdrawn per 1000 residents (98) is comparable to MI average (85). The average loan value for this tract ($95,600) is comparable to the state average ($117,790).

The number of loans closed per 1000 residents (29) is comparable to MI average (28). The average loan value for this tract ($113,333) is comparable to the state average ($126,912).

HMDA - Loans Count

HMDA - Average Loan Value ($)

Private Mortgage Insurance Companies Aggregated Statistics

271 Originated: 152 Conventional Home Purchase Loans for an average of $121,842, 94 Refinancings for an average of $137,404, 25 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $96,000

48 Applications approved, not accepted: 22 Conventional Home Purchase Loans for an average of $112,318, 21 Refinancings for an average of $136,381, 5 Non-occupant Loans on < 5 Family Dwellings (A & B) for an average of $104,400

5 Denied applications: 2 Conventional Home Purchase for an average of $82,500, 2 Refinancings for an average of $106,500, 1 Non-occupant Loan on < 5 Family Dwelling (A & B) for $67,000

5 Withdrawn applications: 2 Conventional Home Purchase Loans for an average of $109,500, 3 Refinancings for an average of $135,667

3 Files closed for incompleteness: 2 Conventional for an average of $128,500, 1 Refinancing for $123,000

PMIC - Loans Count

PMIC - Average Loan Value ($)

Private Mortgage Insurance Companies Disclosure Statistics

Radian Guaranty:

6 Loans originated: 5 Conventional Home Purchase Loans for an average of $85,000, Refinancing for $108,000

6 Originated: 4 Conventional Home Purchase for an average of $123,500, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $80,000

DEARBORN FEDERAL SAVINGS BANK (MI):

Conventional Home Purchase Loan originated for $209,000

SOVEREIGN BANK (PA):

Refinancing originated for $139,000

COMMERCIAL FEDERAL BANK (NE):

Refinancing Originated for $142,000

LEHMAN BROTHERS BANK, FSB (DE):

3 Loans originated: 2 Conventional Home Purchase Loans for an average of $114,500, 1 Non-occupant Loan on < 5 Family Dwelling for $95,000

2 Conventional Home Purchase Loans Approved but not accepted for an average of $75,000

USAA FEDERAL SAVINGS BANK (TX):

3 Originated: 2 Refinancings for an average of $101,000, 1 Non-occupant Loan on < 5 Family Dwelling for $114,000

Refinancing Denied for $105,000

STERLING BANK & TRUST, FSB (MI):

Refinancing Denied for $93,000

LIBERTY SAVINGS BANK, FSB (OH):

Refinancing originated for $136,000

CHEVY CHASE BANK, F.S.B. (VA):

Refinancing originated for $84,000

R-G CROWN BANK (FL):

Home Improvement Loan approved, not accepted for $10,000

FLAGSTAR BANK (MI):

25 Loans originated: 3 FHA, FSA/RHS & VA Loans for an average of $112,333, 11 Conventional for an average of $91,727, 7 Refinancings for an average of $78,714, 4 Non-occupant Loans on < 5 Family Dwellings for an average of $84,750

2 Refinancings Approved - not accepted for an average of $65,000

Refinancing denied for $3,000

Refinancing Withdrawn for $103,000

UNION FEDERAL C/O SKY BANK (IN):

2 Refinancings Originated for an average of $135,000

WASHINGTON MUTUAL BANK (NV):

Refinancing originated for $85,000

WORTHINGTON FEDERAL BANK (AL):

Refinancing withdrawn for $30,000

HOME LOAN INVESTMENT BANK (RI):

Refinancing Approved but not accepted for $41,000

2 Refinancings Denied for an average of $101,500

WORLD SAVINGS BANK, FSB (CA):

5 Loans originated: 2 Conventional Home Purchase for an average of $56,500, 2 Refinancings for an average of $87,500, 1 Non-occupant Loan on < 5 Family Dwelling for $91,000

2 Home Improvement Loans approved but not accepted for an average of $13,000

Refinancing Denied for $94,000

AMERICAN GENERAL FIN.SERV.(DE) (IN):

Refinancing Denied for $5,000

JAMES B. NUTTER & CO. (MO):

Refinancing originated for $70,000

AMERISAVE MORTGAGE CORPORATION (GA):

Refinancing originated for $80,000

Refinancing Denied for $80,000

PREMIUM CAPITAL FUNDING LLC (NY):

Home Improvement Loan Originated for $180,000

PHH MORTGAGE CORPORATION (NJ):

FHA, FSA/RHS & VA Home Purchase Loan originated for $137,000

PINNFUND, USA (CA):

Refinancing Approved but not accepted for $96,000

Conventional Home Purchase Loan denied for $48,000

THE LENDING CONNECTION, INC (CA):

Refinancing denied for $166,000

SOLSTICE CAPITAL GROUP, INC. (CA):

2 Refinancings Withdrawn for an average of $177,500

ASSOCIATES FINANCIAL SERVICES (TX):

Refinancing Denied for $8,000

NEW STATE MORTGAGE COMPANY (IN):

Refinancing Denied for $146,000

HFC (IL):

Refinancing originated for $128,000

Home Improvement Loan denied for $3,000

3 Applications withdrawn: 2 Refinancings for an average of $101,500, 1 Home Improvement for $25,000

VANDYK MORTGAGE CORPORATION (MI):

Refinancing withdrawn for $161,000

FRANKLIN MORTGAGE FUNDING (MI):

2 Conventional Home Purchase Loans Originated for an average of $61,000

TRANEX FINANCIAL INC. (MI):

Conventional Home Purchase Loan originated for $138,000

GOLD STAR MORTGAGE FINANCIAL (MI):

Conventional Home Purchase Loan Originated for $73,000

MEMBER FIRST MORTGAGE (MI):

Refinancing originated for $90,000

AEGIS WHOLESALE CORPORATION (TX):

Refinancing denied for $85,000

LENDSOURCE, INC (MN):

Refinancing closed for incompleteness for $135,000

AVIZEN LENDING SOLUTIONS (MN):

Refinancing Denied for $148,000

GMAC MORTGAGE LLC (PA):

4 Loans originated: 1 FHA, FSA/RHS & VA Home Purchase Loan for $130,000, 2 Conventional Home Purchase for an average of $99,000, 1 Refinancing for $86,000

BENEFICIAL (IL):

2 Refinancings Denied for an average of $80,000

2 Home Improvement Loans withdrawn for an average of $20,000

DECISION ONE MORTGAGE (NC):

Refinancing Originated for $115,000

CTX MORTGAGE COMPANY, LLC (TX):

Refinancing denied for $65,000

Refinancing Withdrawn for $105,000

ORIGEN FINANCIAL (MI):

Conventional Home Purchase Loan Denied for $28,000

DECISION ONE MORTGAGE COMPANY (NC):

Refinancing Denied for $86,000

HOMEGOLD, INC. (SC):

Refinancing originated for $156,000

4 Refinancings denied for an average of $96,000

COUNTRYWIDE HOME LOANS (CA):

10 Originated: 1 FHA, FSA/RHS & VA Loan for $100,000, 2 Conventional for an average of $81,500, 5 Refinancings for an average of $78,000, 2 Non-occupant Loans on < 5 Family Dwellings for an average of $83,000